I work between 25 and 30 hours a week. I don't earn a great income, especially compared to figures mentioned here, but it's enough to pay the bills and I'd rather spend more time at home than at work.

It works because we have a very modest house with an equally modest mortgage. We own the car, my wife runs a very tight budget and we don't have many other outgoings. Our largest expense (greater than the mortgage payments) are school fees; we send our 4 kids to a Montessori school but we're happy to pay the money because we can afford it (just) and it's something we both strongly believe in

The downside to the extra time I have, is that I haven't exactly used it wisely - in fact I've mostly squandered it, which makes me sad looking back at the year gone by.